louis include this university, this center and crucial to the dan forget family. thank you and thank them for you're attention and now i welcome your comments. i thank you very much. >> we are having time for q&a. we have standing mikes if you will queue at the mikes we will take your turn and we will end promptly at 8:30 which gives us about 20 minutes. >> i appear to have answered every question. >> thanks for coming. what would you see -- one of the arguments for less government involvement with things is that if people hold on to their money more, they would be in a position to take care of the poor, the oh pressed etc. can you imagine where else that might come from? do you think it's possible for those people to be taken care of outside of a religious context and outside of a political context and are there any examples of that in other government? >> i am not denying the role which americans of all political persuasions now agree on that the state has in applying a social safety net. i am saying there are potential cost to this and not only financial cost.